topic Re: Myfico EQ report dropped because of a change of address in Understanding FICO® Scoringhttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717126#M67530
<P>I have never heard of a change of address causing a score change. Weird. Did you move to a riskier neighborhood? Lol!</P>Sun, 25 Nov 2012 23:01:25 GMTEpcot2012-11-25T23:01:25ZMyfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716970#M67525
<P>Just wanted to let everyone know that reporting of a new address dropped by Equifax score 1 point for 806 to an 805.&nbsp; Can anyone explain to me why this would happen?</P>Sun, 25 Nov 2012 21:57:24 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716970#M67525UplandCitizen2012-11-25T21:57:24ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716978#M67526
<P>Must have been something else on your report causing the drop.&nbsp; I've never seen a change in scoring due to a address change.</P>Sun, 25 Nov 2012 21:36:34 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716978#M67526namvet2012-11-25T21:36:34ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716986#M67527
<BLOCKQUOTE><HR />namvet wrote:<BR /><P>Must have been something else on your report causing the drop.&nbsp; I've never seen a change in scoring due to a address change.</P><HR /></BLOCKQUOTE><P>I have Scorewatch through MyFico and received a score change notice.&nbsp; It dropped from 806 to 805, with the reason that a new address was reported on my credit report.</P>Sun, 25 Nov 2012 21:41:10 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1716986#M67527UplandCitizen2012-11-25T21:41:10ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717018#M67529
<P>This is what Scorewatch said:</P><P>&nbsp;</P><P>"The decrease in your FICO score happened on the same day as a change on your Equifax Credit Report triggered an alert.&nbsp; Most likely, the decrease was caused by the credit report change, but this is not always the case.&nbsp; Your score may have dropped because of some change on the credit report that was not reported as an alert.&nbsp; Also, if multiple changes on the credit report happened on the same day, some may have helped the score while others hurt it."</P><P>&nbsp;</P><P>Then the next box said:&nbsp; "Your current address has changed on your credit file."</P><P>&nbsp;</P><P>This was the only thing reported.</P><P>&nbsp;</P><P>I would try and cut and past a photo or Snag-It but it won't let me paste it in the post.&nbsp;</P>Sun, 25 Nov 2012 21:56:36 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717018#M67529UplandCitizen2012-11-25T21:56:36ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717126#M67530
<P>I have never heard of a change of address causing a score change. Weird. Did you move to a riskier neighborhood? Lol!</P>Sun, 25 Nov 2012 23:01:25 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717126#M67530Epcot2012-11-25T23:01:25ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717228#M67531
<P>OP, the address didn't change your EQ FICO. You received a credit alert and as part of SW, it will grab your latest FICO score. Just like it says in the alert, the score change doesn't always occur as a result of that credit change. Your score change is just a net change after the last alert. For example, I once got an alert for +20 because I added an inquiry. Inquiries don't cause increases, but it was a dropped baddie that SW doesn't alert to that changed my score. And of course addresses and other demographic info aren't a part of FICO scoring anyway. Your change could be caused by any number of things like changes in util.</P>Mon, 26 Nov 2012 00:26:43 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717228#M67531llecs2012-11-26T00:26:43ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717832#M67536
I'm guessing util% as well. a very low amount has been reported.Mon, 26 Nov 2012 13:11:02 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1717832#M67536Repo-ed2012-11-26T13:11:02ZRe: Myfico EQ report dropped because of a change of addresshttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1718372#M67553
Thanks! I was surprised when I received update. I pay my cards off every month but assume there was a small increase in the amount reported.Mon, 26 Nov 2012 19:38:00 GMThttp://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Myfico-EQ-report-dropped-because-of-a-change-of-address/m-p/1718372#M67553UplandCitizen2012-11-26T19:38:00Z